Widows are being threatened with legal action from some of Britain's biggest annuity providers if they fail to return payments made soon after their spouse's death.
Rules for conventional annuities say that any remaining pot cannot be passed to survivors on death; payments stop as soon as an insurer is informed. But there is evidence that some firms are taking a heavy-handed approach to recovering money paid out in the period between someone's death and the cancellation of the policy.
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